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Whitehall

Columbus, OH · Charter 97091

NCUA · 1 branch

Q2 2019

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2019, the quarter ended June 30, 2019, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Whitehall

Columbus, OH · Charter 97091

NCUA · 1 branch

Q2 2019

$18.9MAssets
$6.3MLoans
$16.7MShares
$2.0MNet Worth

Executive Summary

  • Earnings: ROA of 0.09%, down 8 bps year over year; NIM at 3.11%.
  • Asset quality: problem loans at 2.39% of loans (+57 bps YoY).
  • Capital: net worth / assets of 10.62%, up 9 bps from a year ago.
  • Funding: loans stand at 37.86% of shares as of Q2 2019.

Return on Assets (YTD, annualized)

0.09%-8 bps YoY

Net Interest Margin (YTD, annualized)

3.11%+36 bps YoY

Efficiency Ratio (YTD, annualized)

90.44%-380 bps YoY

Net Worth / Assets

10.62%+9 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2017Q4 2017Q1 2018Q2 2018Q3 2018Q4 2018Q1 2019Q2 2019YoY ΔTrend
Earnings
Return on Assets0.04%0.01%0.26%0.17%0.19%0.16%0.07%0.09%-8 bps
Return on Equity0.39%0.14%2.49%1.60%1.78%1.47%0.66%0.85%-75 bps
Net Interest Margin2.58%2.72%2.72%2.74%2.83%2.88%2.98%3.11%+36 bps
Efficiency Ratio97.75%98.43%92.37%94.23%93.58%94.00%91.72%90.44%-380 bps
Growth
Asset Growth (YoY)1.05%1.54%2.85%0.38%-0.95%2.13%5.17%0.30%-8 bps
Loan Growth (YoY)0.62%-1.66%-5.03%-8.49%-5.71%-8.28%-7.52%-14.78%-629 bps
Share Growth (YoY)4.36%2.00%3.00%0.14%-1.18%2.31%5.75%0.26%+12 bps
Asset Quality
Delinquent Loans / Loans2.55%1.30%0.99%1.82%1.42%2.80%2.69%2.39%+57 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.36%0.36%0.38%0.41%0.46%0.58%0.47%0.53%+12 bps
Capital
Risk-Based Capital10.44%10.74%10.56%10.54%10.66%10.67%10.15%10.62%+9 bps
Net Worth / Assets10.44%10.74%10.56%10.54%10.66%10.67%10.15%10.62%+9 bps
Liquidity & Funding
Loans / Shares47.64%48.09%45.85%44.54%45.46%43.11%40.10%37.86%-668 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps